Civic Intelligence

Beaver Lake Club

EIN 22-2536033 • 501(c)7 • Ware, MA

Profile

PRIVATE CLUB

C/O Treasurer PO Box 253Ware, MA 01082

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

90th percentile

0.50x

Higher debt load relative to assets than 90% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

1.34x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Net Margin

94th percentile

51%

Higher net margin than 94% of similar nonprofits.

501(c)7 • <$500k nonprofits • Source year 2024

Top Officer Pay

94th percentile

$0

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)7 • <$500k nonprofits • Source year 2024

Asset Growth

96th percentile

114%

Faster asset growth than 96% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

1.0%

Faster revenue growth than 49% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$244,874

Up $130,579 (+114%) from 2023

Liabilities

Up

$121,919

Up $92,902 (+320%) from 2023

Net Assets

$122,955

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue96th percentileNet Margin94th percentile

Revenue

Up

$91,026

Up $917 (+1.0%) from 2023

Expenses

Down

$44,299

Down $1,695 (-3.7%) from 2023

Net Income

Up

$46,727

Up $2,612 (+5.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0Assets 2010: $60,019Net Assets 2010: $60,0192010Assets 2011: $67,496Net Assets 2011: $67,4962011Assets 2012: $66,577Net Assets 2012: $66,5772012Assets 2013: $66,252Liabilities 2013: $02013Assets 2014: $69,823Net Assets 2014: $69,8232014Assets 2015: $95,588Net Assets 2015: $95,5882015Assets 2016: $125,101Net Assets 2016: $125,1012016Assets 2017: $101,660Liabilities 2017: $101Net Assets 2017: $101,5592017Assets 2018: $91,344Net Assets 2018: $91,3442018Assets 2019: $84,802Net Assets 2019: $84,8022019Assets 2020: $99,029Net Assets 2020: $99,0292020Assets 2021: $134,047Net Assets 2021: $134,0472021Assets 2022: $99,044Liabilities 2022: $28,941Net Assets 2022: $70,1032022Assets 2023: $114,295Liabilities 2023: $29,0172023Assets 2024: $244,874Liabilities 2024: $121,919Net Assets 2024: $122,9552024

Highlighted filing

2024

Assets$244,874
Liabilities$121,919
Net Assets$122,955
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100K$50K$0-$50KRevenue 2010: $40,459Expenses 2010: $34,792Net Income 2010: $5,6672010Revenue 2011: $38,820Expenses 2011: $31,619Net Income 2011: $7,2012011Revenue 2012: $38,546Expenses 2012: $37,835Net Income 2012: $7112012Revenue 2013: $37,792Expenses 2013: $35,792Net Income 2013: $2,0002013Revenue 2014: $58,197Expenses 2014: $54,626Net Income 2014: $3,5712014Revenue 2015: $66,551Expenses 2015: $40,786Net Income 2015: $25,7652015Revenue 2016: $71,250Expenses 2016: $41,737Net Income 2016: $29,5132016Revenue 2017: $72,191Expenses 2017: $95,733Net Income 2017: -$23,5422017Revenue 2018: $73,258Expenses 2018: $83,574Net Income 2018: -$10,3162018Revenue 2019: $71,237Expenses 2019: $77,779Net Income 2019: -$6,5422019Revenue 2020: $71,999Expenses 2020: $57,772Net Income 2020: $14,2272020Revenue 2021: $84,461Expenses 2021: $49,443Net Income 2021: $35,0182021Revenue 2022: $85,507Expenses 2022: $43,013Net Income 2022: $42,4942022Revenue 2023: $90,109Expenses 2023: $45,994Net Income 2023: $44,1152023Revenue 2024: $91,026Expenses 2024: $44,299Net Income 2024: $46,7272024

Highlighted filing

2024

Revenue$91,026
Expenses$44,299
Net Income$46,727
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$244,874
Liabilities
$121,919
Net assets
$122,955
Revenue
$91,026
Expenses
$44,299
Net income
$46,727
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.45$1.22$1.23$0.91$0.44$0.47
2023Summary only. Only limited summary data is available for this year.$1.14$0.29$0.90$0.46$0.44
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.29$0.70$0.86$0.43$0.42
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.34$1.34$0.84$0.49$0.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.99$0.72$0.58$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.85$0.85$0.71$0.78$0.07
2018Detailed filing. Detailed filing data is available for this year.$0.91$0.91$0.73$0.84$0.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.02$0.00$1.02$0.72$0.96$0.24
2016Detailed filing. Detailed filing data is available for this year.$1.25$1.25$0.71$0.42$0.30
2015Detailed filing. Detailed filing data is available for this year.$0.96$0.96$0.67$0.41$0.26
2014Detailed filing. Detailed filing data is available for this year.$0.70$0.70$0.58$0.55$0.04
2013Summary only. Only limited summary data is available for this year.$0.66$0.00$0.38$0.36$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.67$0.67$0.39$0.38$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.67$0.67$0.39$0.32$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.60$0.60$0.40$0.35$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 9, 2025
Return Version
2024v5.2
Gross Receipts
$91,026
Mission and Program Overview

Mission

PRIVATE CLUB

Program Services

DescriptionGrantsExpenses
501 (C)3 DONATIONS-$48,991
SCHOLARSHIP FUND-$2,500
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JAMES O'MARAPresident-$0--
LAWERENCE DONNVice Pres-$0--
MARIE B RAYTreasurer/Clerk-$0--
Filing and Contact Details

Filer

Filer Name
Beaver Lake Club
EIN
22-2536033
Phone
4139673969
Address
C/O TREASURER PO BOX 253, WARE, MA 01082

Signing Officer

Name
Marie B Ray
Title
Treasurer
Phone
4139673969
Signed
2025-04-09
Discuss with paid preparer
Yes

Preparer

Firm
Pioneer Financial Inc
Address
351 Newton St, South Hadley, MA 01075
Preparer
Edward G Wall
Phone
4135328392
Supplemental Narrative

Additional Explanations

Pt V, Line 44D

“Organization does not own tanning equipment. Organization does not offer tanning services. Organizaton does not offer tanning services through a reltated entity or a third party organization.”

Form 990EZ, Part I, Line 16

“ADMIN 2650.”

Form 990EZ, Part I, Line 16

“BEACH MAINTENANCE 4106.”

Form 990EZ, Part I, Line 16

“BLTI EXPENSE 850.”

Form 990EZ, Part I, Line 16

“CONSERVATION 3101.”

Form 990EZ, Part I, Line 16

“DAM EXPENSE 1500.”

Form 990EZ, Part I, Line 16

“DAM MAINTAINENCE 931.”

Form 990EZ, Part I, Line 16

“GOOGLE WORKSPACE 1082.”

Form 990EZ, Part I, Line 16

“HANDI HOUSE RENTAL 1513.”

Form 990EZ, Part I, Line 16

“IMPROVEMENTS 0.”

Form 990EZ, Part I, Line 16

“LAND TRUST”

Form 990EZ, Part I, Line 16

“MEMBERSHIP 2854.”

Form 990EZ, Part I, Line 16

“PROPERTY TAXES 9292.”

Form 990EZ, Part I, Line 16

“SCHOLARSHIP 2500.”

Form 990EZ, Part I, Line 16

“SECURITY 109.”

Form 990EZ, Part I, Line 16

“SOCIAL 1403.”

Form 990EZ, Part I, Line 16

“Weed treatment and assoc fees 12259.”

Form 990EZ, Part I, Line 20

“Dam loan liability balance”

Form 990EZ, Part II, Line 24

“LOAN PAYMENTS 158105.”

Form 990EZ, Part II, Line 26

“DAM LOAN 162627. 121919.”

Raw XML Appendix156 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/AmendedReturnInd0X
IRS990EZ/BooksInCareOfDetail/PersonNm0MARIE RAY
IRS990EZ/BooksInCareOfDetail/PhoneNum04139673969
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt027 BEACH ROAD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0WARE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001082
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt089032
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt086769
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt03347
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt046727
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0149
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0247905
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0244874
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt091026
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt047333
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt085278
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0122955
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt085278
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0122955
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JAMES O'MARA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LAWERENCE DONN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2MARIE B RAY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER/CLERK
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0158873
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0158105
IRS990EZ/OtherChangesInNetAssetsAmt0-9050
IRS990EZ/OtherExpensesTotalAmt044150
IRS990EZ/PrimaryExemptPurposeTxt0PRIVATE CLUB
IRS990EZ/ProgramServiceRevenueAmt040346
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0501 (C)3 DONATIONS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1SCHOLARSHIP FUND
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt048991
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt12500
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0162627
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0121919
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt044299
IRS990EZ/TotalProgramServiceExpensesAmt051491
IRS990EZ/TotalRevenueAmt091026
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION DOES NOT OWN TANNING EQUIPMENT. ORGANIZATION DOES NOT OFFER TANNING SERVICES. ORGANIZATON DOES NOT OFFER TANNING SERVICES THROUGH A RELTATED ENTITY OR A THIRD PARTY ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ADMIN 2650.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BEACH MAINTENANCE 4106.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BLTI EXPENSE 850.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONSERVATION 3101.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DAM EXPENSE 1500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DAM MAINTAINENCE 931.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOOGLE WORKSPACE 1082.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8HANDI HOUSE RENTAL 1513.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9IMPROVEMENTS 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10LAND TRUST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11MEMBERSHIP 2854.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12PROPERTY TAXES 9292.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13SCHOLARSHIP 2500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14SECURITY 109.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15SOCIAL 1403.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16WEED TREATMENT AND ASSOC FEES 12259.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17DAM LOAN LIABILITY BALANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18LOAN PAYMENTS 158105.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19DAM LOAN 162627. 121919.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt V, Line 44d
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARIE B RAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04139673969
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BEAVER LAKE CLUB
ReturnHeader/Filer/BusinessNameControlTxt0BEAV
ReturnHeader/Filer/EIN0222536033
ReturnHeader/Filer/PhoneNum04139673969
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O TREASURER PO BOX 253
ReturnHeader/Filer/USAddress/CityNm0WARE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001082
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0201928050
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PIONEER FINANCIAL INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0351 Newton St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0South Hadley
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001075
ReturnHeader/PreparerPersonGrp/PhoneNum04135328392
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Edward G Wall
ReturnHeader/ReturnTs02026-01-27T10:07:53-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)7 • <$500k nonprofits